Credit Timeline

Take out loan to pay for car and pay back loan each month on time

Buy on credit card, pay bill each month on time

Take out student loan, and pay each month on time

Have a house loan or paying for an apartment or rental house

Steady income allows me to pay bills on time and buy more items to build credit

Take out small loan for car and make monthly payments

For sure have a house mortgage, if I didn't already, and make monthly payments on it

Possibly move out of state for my career, buy a new house, start paying off another mortgage

Take out a loan to pay for it and then make monthly payment

Hopefully have 2 or 3 kids by now which means extra expenses and also buying more items on credit which will be paid off and build credit